Eliot wrote in 1922 that ‘April is the cruelest month,’ but we quite disagree.
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How To Create A Dramatic Vector Illustration.Fantastic Wallpapers That Will Blow Your Desktop Away.35 Joyful Easter Wallpapers ? Funny Bunnies And Painted Eggs.We are regularly looking for creative designers and artists to be featured on Smashing Magazine. You can feature your work in our magazine by taking part in our Desktop Wallpaper Calendars series.All images can be clicked on and lead to the preview of the wallpaper,.Now could there be a better occasion for a little inspiration kick? All wallpapers come in versions with and without a calendar and can be downloaded for free. This post features their works for April 2017. We’ve been on this mission to bring you unique wallpaper calendars each month anew for eight years already, and we are very thankful to all the designers and artists who keep it running by diligently contributing their artworks to it. But no matter if April means blooming colors and embracing the warmer weather in your part of the world or getting cozy for autumn, our new batch of desktop wallpapers is bound to cater for some fresh inspiration regardless of that.
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It’s a model Goldman is continuing, housing groups in “bubbles,” some on the now-empty trading spaces in Goldman’s New York headquarters: “Those 600 traders, there is a lot of space where they used to sit,” he said.Time is running! The first quarter of the year lies already behind us and a new season is in full swing. It was nurtured like a small startup within the firm and launched in just 12 months, he said. Goldman’s new consumer lending platform, Marcus, aimed at consolidation of credit card balances, is entirely run by software, with no human intervention, Chavez said. “Everything we do is underpinned by math and a lot of software,” he told the Harvard audience in January. It’s his expertise in risk that makes him suited to the task of CFO, a role more typically held by accountants, Chavez told analysts on a recent Goldman Sachs earnings call. Investment bankers working on corporate mergers and acquisitions at large banks like Goldman make on average $700,000 a year, according to Coalition, and in a good year they can earn far more.Ĭhavez himself is an example of the rising role of technology at Goldman Sachs. Reducing the number of investment bankers would be a great cost savings for the firm. Though those “rainmakers” won’t be replaced entirely, Goldman has already mapped 146 distinct steps taken in any initial public offering of stock, and many are “begging to be automated,” he said. Next, Chavez said, will be the automation of investment banking tasks, work that traditionally has been focused on human skills like salesmanship and building relationships. Some 9,000 people, about one-third of Goldman’s staff, are computer engineers. Goldman Sachs has already begun to automate currency trading, and has found consistently that four traders can be replaced by one computer engineer, Chavez said at the Harvard conference. To execute these trades, algorithms are being designed to emulate as closely as possible what a human trader would do, explains Coalition’s Shahani. Now more complex areas of trading like currencies and credit, which are not traded on a stock exchange like the New York Stock Exchange but rather through less-transparent networks of traders, are coming in for more automation as well. Complex trading algorithms, some with machine-learning capabilities, first replaced trades where the price of what’s being sold was easy to determine on the market, including the stocks traded by Goldman’s old 600.